RISC Rice Insurance Services Company, LLC
Specializing in Mandated Real Estate Errors & Omissions Insurance
We put the Experience and Options in E&O programs 



Sample Policy '15

Optional Coverages '15

Policy Features '15


Extended Reporting

Excess Coverage

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Idaho Real Estate Licensee
Errors & Omissions Insurance
Group Program

Thank you for considering our program.  If you have questions about the program or how to purchase coverage, feel free to contact us or select the blue button below for answers to frequently asked questions. Please note we CANNOT accept any payment information over the phone.



Active status Idaho real estate licensees who fail to renew E&O insurance by September 30, 2015 at 11:59:59 p.m. MT will be in violation of the license law and will incur civil penalties and fines.

In addition to violating state law and incurring fines and penalties, failure to enroll by September 30, 2015 at 11:59:59 p.m. MT may cause you to lose coverage for prior acts, a valuable feature of the policy.  Your “retroactive date” determines whether there is coverage for acts that occurred prior to the policy’s effective date.  The retroactive date is the date you first obtained, and since which have continuously maintained, E&O insurance, with no gaps.  Even a one-day gap will result in loss of coverage for any services provided before and through the last day of the gap, even if insurance was in place at the time of the services. Always pay your premium on time to protect against uncovered claims, fines, and penalties.

Enroll Online:  Click on the yellow button below to enroll with your Visa or MasterCard. You may download a certificate of coverage immediately upon completion.  If you have any questions during the online enrollment process, call us at (800) 637-7319, ext. 1.


Enroll by Mail:  Select the form below that applies to your or your firm’s situation, complete it, and mail the completed form to either of the addresses below with the applicable premium by check or money order made payable to RISC. 

Mailing Address:
Rice Insurance Services Company, LLC
PO Box 6709
Louisville, KY 40206

Overnight Address:
Rice Insurance Services Company, LLC
4211 Norbourne Blvd
Louisville, KY 40207

October 1, 2015 - October 1, 2016

Individual Licensee Coverage

Individual Enrollment Form (Prorated):  For individual (rather than firm) licensees wanting to purchase insurance through the group program with an individual effective date that is after or no more than 30 days before the date of submission.

Endorsement Request Form for Current Insureds: Request to add an endorsement for an individual (rather than firm) licensee who is already enrolled in the current group program.

Backdate Request Form: Request to backdate the inception of your individual policy period up to 90 days from the date we receive the completed request form and applicable premium. The carrier reserves the right to deny requests to backdate, Requests to backdate, if granted, do not cure failure to comply with state law, so your state regulatory body may still issue fines and penalties.

Firm Licensee Coverage

Firm Enrollment Form (Prorated): For firm (rather than individual) licensees wanting to purchase insurance through the group program with an individual effective date that is after or no more than 30 days before the date of submission. 

The program referenced herein is underwritten by Continental Casualty Company, a CNA insurance company. This information is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the products and services offered. Only the applicable policy can provide the actual terms, coverages, amounts, conditions, and exclusions, which may be subject to change without notice. In the event of a claim, the nature and extent of coverage is determined based upon the claim’s facts, circumstances, and allegations and application of the relevant policy’s terms, conditions, and exclusions. The E&O program described herein is only available in Idaho. CNA is a registered trademark of CNA Financial Corporation. Copyright © 2015 CNA. All rights reserved.